Argentina's delivery workers are increasingly using fintech loans to recover impounded motorcycles and cover daily expenses, deepening their dependence on the apps that provide their incomes. PedidosYa offers riders loans at a 131% annual rate, while Personal Pay charges around 170%. The fintech lending sector has grown 20-fold to 10 million individual loans from 500,000 six or seven years ago, as slower inflation and improved economic stability encourage lending even while subsidy cuts and other austerity measures raise demand for credit. Nearly 6 million people are more than 90 days behind on repayments, and household bad loans reached 12.8% in June, up from 2.8% when President Javier Milei took office in late 2023. Unions, borrowers and advocacy groups are seeking state-backed debt relief, but the government has largely treated unpaid loans as a private matter. Analysts say indebtedness, weak consumption and precarious employment could become political challenges for Milei before the 2027 election.